Hi

At some point in the next year or two my partner and I will be hoping to secure our first mortgage. However I'm not sure what our best option would be as I have perfect credit history but my partner has defaults as he is on a debt management programme.

 If I have perfect credit history would we need an adverse credit mortgage as I really don't to pay out higher rates and also I don't want my credit history to be impaired if we are financially linked.

 Obviously I am just doing research at the moment, but any advice would be great.

 Thanks.